Driving a minibus can be a great way to make a living, but it’s also one that comes with a whole host of responsibilities. Not only is it a legal requirement to make sure you’ve got a basic level of insurance in place but as you’ll be dealing with members of the public you’ll have to look a little deeper, and legal protection is one add-on that should always be invested in. But just why is it so important anyway?
Well, it’s important for the simple fact that if you were to be involved in an incident the legal costs could quickly add up. It isn’t nice to think about but it’s worth bearing in mind nonetheless—you’ll be on the road for much of the working week so there’s a pretty high chance you’ll be involved in an incident at one time or another, and when you consider the fact that you’re dealing with members of the public it becomes even more important to be prepared. You’re responsible for the safety of everyone on board, and in a minibus you could well have several passengers at any one time—could you afford the legal costs if something went wrong?
In some cases legal protection will be included in your policy as standard whilst with other firms you’ll have to pay for the privilege, so as ever it’s important to do your research and thoroughly check the small print. A step up from legal protection will be public liability, ensuring that you’ll not only be covered for any legal fees but any compensation claims too, and again it’s always worth thinking about if you want complete peace of mind.
The importance of legal protection in minibus insurance should never be underestimated. From a financial standpoint you’ll be prepared for anything that could come your way, and from a more personal point of view it can give you something money can’t buy—peace of mind. With the right kind of protection you’ll be ready for anything, so make sure to discuss your needs with your insurer and you can get on the road in confidence.